and then orders a large outgoing wire transfer to another country. - Customer deposits bearer instruments followed by instructions to wire the funds to a third party. - Account in the name of a currency exchange house receives wire transfers or cash deposits of less than $10,000. Suspicious Safe Deposit Box Activity - Customer's activity increases in the safe deposit box area, possibly indicating the safekeeping of large amounts of cash. - Customer often visits the safe deposit box area immediately before making cash deposits of sums less than $10,000. - Customer rents multiple safe deposit boxes. Suspicious Activity in Credit Transactions - A customer's financial statement makes representations that do not conform to Generally Accepted Accounting Principles. - A transaction is made to appear more complicated than it needs to be by use of impressive but nonsensical terms such as "emission rate," "prime bank notes," "standby commitment," "arbitrage" or "hedge contracts." - Customer requests loans to offshore companies or secured by obligations of offshore banks. - Customer suddenly pays off a large problem loan with no plausible explanation for the source of funds. - Customer purchases certificates of deposit and uses them as collateral for a loan. - Customer collateralises a loan with cash deposits. - Customer uses cash collateral located offshore to obtain a loan. - Customer's loan proceeds are unexpectedly transferred offshore. Suspicious Commercial Account Activity - Business customer presents financial statements noticeably different from those of similar businesses. - A large business presents financial statements that are not prepared by an accountant. - Retail business that provides cheque cashing service does not make large withdrawals of cash against cheque deposits, possibly indicating that it has another source of cash. - Customer maintains an inordinately large number of accounts for the type of business purportedly being conducted. - Corporate account shows little or no regular, periodic activity. - A transaction includes circumstances that would cause a banker to reject a loan application because of doubts about the collateral's validity. Suspicious Trade Financing Transactions - Customer seeks trade financing on the export or import of commodities whose stated prices are substantially more or less than those in a similar market situation. - Customer makes changes to a letter of credit beneficiary just before payment is to be made. - Customer
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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